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<blockquote data-quote="squeak9798" data-source="post: 725977" data-attributes="member: 555320">Visa/M/C typically don&#039;t charge the merchant directly.&nbsp; The merchant goes through an independent merchant services dealer (their local bank, for example), who is the one who actually determines how much the merchant gets charged.&nbsp; And then the bank/independent dealers have their merchant services agents (Certegy, for example).&nbsp; What rate the dealer charges the merchant depends on a host of variables, such as sales volume, avg sale amount per ticket, etc etc.&nbsp; We typically charge merchants 3-4% for all cards.&nbsp; Though extremely large companies (Walmart, Sears, etc) may have something worked out with Visa/M/C/etc directly....but your average merchant won&#039;t.The rates charged by Visa/M/C to the merchant services companies (and not the merchants themselves) vary by card used, how used (in person, over the phone, etc) and a whole bunch of different variables.&nbsp; There are, IIRC, 5 different charge tier levels for both Visa and Mastercard, and Amex/Discover have their own tier system for charges.</blockquote>

[QUOTE="squeak9798, post: 725977, member: 555320"] Visa/M/C typically don't charge the merchant directly. The merchant goes through an independent merchant services dealer (their local bank, for example), who is the one who actually determines how much the merchant gets charged. And then the bank/independent dealers have their merchant services agents (Certegy, for example). What rate the dealer charges the merchant depends on a host of variables, such as sales volume, avg sale amount per ticket, etc etc. We typically charge merchants 3-4% for all cards. Though extremely large companies (Walmart, Sears, etc) may have something worked out with Visa/M/C/etc directly....but your average merchant won't. The rates charged by Visa/M/C to the merchant services companies (and not the merchants themselves) vary by card used, how used (in person, over the phone, etc) and a whole bunch of different variables. There are, IIRC, 5 different charge tier levels for both Visa and Mastercard, and Amex/Discover have their own tier system for charges. [/QUOTE]

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